Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$174,244Cash toward the purchase price.
Closing costs + prepaids$8,979Not just lender fees.
Before credits & paid funds$183,222The complete starting cash picture.
Estimated remaining funds due at closing
$183,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,243.72
Your down payment$174,243.72
Closing costs + prepaids$8,978.74
Total buyer cash needed$183,222.45
Remaining funds due$183,222.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$428.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$649.75
Initial HOA (3 months)$75.00
Prepaid interest, first (1 days)$8.71
Fees + prepaids$8,978.74
Your down payment is the seller’s equity. You take over the $85,656 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $183,222.45 is due at closing. Uses and sources reconcile at $268,878.74 each. Not a Closing Disclosure.